Mortgage broker serving Crescent City, CA, offering a full range of loan programs - purchases, refinancing, investment properties, FHA, VA, jumbo, DSCR, bank statement loans, down payment assistance, and more. Personalized programs for your unique situation. 40+ years California mortgage experience.
Schedule a quick 15-minute call and we'll match you to the right program and give you the best rate for your unique situation.
We as brokers shop hundreds of lenders for you. Banks offer their own limited products.
As mortgage specialists serving Crescent City buyers, we match your unique situation to the right program.
First-time buyers in Crescent City need the right loan programs to maximize their purchasing power.
We've spent 40+ years solving these exact challenges.
We're here to help match you with the perfect loan program for your Crescent City purchase.
SCHEDULE FREE CONSULTATION"For over 30 years, A Good Lender has been a trusted and essential part of my family's financial journey, guiding us through more than a dozen mortgage financing transactions with professionalism, integrity and care. What sets A Good Lender apart is their reliability and ability to demystify the mortgage process."
"Rodney Roloff & The Team at A Good Lender made my house buying process a breeze. Rodney helped me to better understand the loan process and walked me through everything step by step. If your looking for a good lender. One who will help you get the best rate. I highly recommend reaching out to Rodney and his team at 'A good lender'"
"From our first home buying experience, to exploring HELOC options, and refinancing, every step we were supported with clear and accurate information. A team who's knowledgeable, prompt to respond to any questions, and who genuinely cares for their clients is a rare find in this industry."
We've simplified the mortgage maze into four clear steps. No surprises, just results.
Complete your loan application online and upload your documents. We'll review everything to make sure it's complete before submitting to our lending partners.
We submit your application to our lending partners. Their underwriters review your documents, verify your income and credit, and issue your loan approval.
Sign your final documents, get your keys, and move into your Crescent City home. We coordinate everything to make closing day smooth and stress-free.
Finding the right home loan in Crescent City starts with understanding your options. We've streamlined hundreds of mortgage programs into 8 clear categories for Crescent City home buyers—covering purchase loans, refinance, commercial real estate, and specialized financing like bank statement and jumbo loans. Explore the general programs to compare down payment options and requirements, or apply now for a custom financing solution tailored to your Crescent City property.
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
Access California's down payment assistance programs. Explore all DPA programs below.
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Speed & Certainty
Whether you're buying your first condo or a $3M estate, we offer comprehensive financing solutions with 14-day closings. Explore our complete range of purchase loan programs below.
Rate & Term, Cash-Out
Refinance to lower your interest rate, shorten your loan term, or access home equity for renovations, debt consolidation, or investment opportunities. Explore all refinance programs below.
SBA 504 & 7(a)
Finance commercial real estate, owner-occupied buildings, or business expansions. Explore all commercial financing programs below.
Build & Improve
Finance new construction, renovations, or land purchases. Explore all construction and renovation programs below.
Specialized Properties
From condos and townhomes to multi-family buildings and unique property types. Explore all specialized property financing programs below.
Complex Scenarios
We specialize in complex financing scenarios where traditional loans don't fit. Explore all niche programs below.
CalHFA & Local DPA
Access California's down payment assistance programs. Explore all DPA programs below.
Alternative Documentation
Self-employed professionals, freelancers, and business owners. Explore all special income documentation programs below.
Popular loan programs for Crescent City homebuyers. Compare options and find your best fit.
| Loan Type | Down Payment | Credit Score | Best For |
|---|---|---|---|
| No Down Payment Program Featured | $0 (3.5% grant) | 580+ | Any buyer - grant covers FHA or Conventional down payment, forgiven after 6 payments |
| VA | $0 | No minimum | Veterans, active military, surviving spouses |
| Conventional | 3-20% | 620+ | Good credit, stable income. Max: $832,750 |
| FHA | 3.5% minimum | 580+ | First-time buyers with limited savings |
| Down Payment Assistance | $0 (grant covers 3-3.5%) | 640+ | First-time buyers needing down payment help |
| Bank Statement | 10-20% | 660+ | Self-employed buyers who write off business expenses |
| DSCR | 20-25% | 660+ | Rental income properties, real estate investors |
Questions? Call (510) 589-4096 or email info@agoodlender.com
FHA dominates Crescent City purchases. Low down payment and credit flexibility for first-time buyers.
CalHFA is a strong option for Crescent City. State programs reduce out-of-pocket costs significantly.
Veterans buy Crescent City homes with $0 down. Full VA benefits cover all properties here.
Many Crescent City properties qualify for USDA zero-down loans. Rural designation required.
All Crescent City properties qualify for conforming loans. 3% down minimum for first-time buyers.
Crescent City local programs provide significant DPA. Stack with state programs for best results.
Bridge financing for Crescent City homeowners moving. Buy your next home without waiting to sell.
LLC financing available in Crescent City. Investors can purchase in entity names.
FHA streamline dominates Crescent City refinances. Quick approval with minimal paperwork.
VA IRRRL is the best refi for Crescent City veterans. No paperwork hassles, quick closing.
Many Crescent City homeowners with USDA loans can use streamline refinance. No appraisal needed.
Every Crescent City refinance qualifies for conforming rates. Best terms for rate reduction.
Crescent City owners can access equity through cash-out refi. Rates competitive with purchase loans.
Fixed home equity loan option in Crescent City. Predictable payments for major expenses.
DSCR financing for Crescent City investors. Buy rentals based on property income potential.
Fix-and-flip financing for Crescent City investors. Buy distressed properties, renovate, sell.
Commercial hard money in Crescent City. Quick funding when timing is critical.
Multifamily loans available for Crescent City apartment investors. Commercial financing options.
Buy a home with zero down payment. Our lenders cover your entire down payment through grant programs. No repayment required. Available for Crescent City buyers with qualifying income.
CalHFA is a strong option for Crescent City. State programs reduce out-of-pocket costs significantly.
Crescent City local programs provide significant DPA. Stack with state programs for best results.
Elite grants provide Crescent City down payment help. Free money for qualified buyers.
Many Crescent City properties qualify for USDA zero-down loans. Rural designation required.
Family property transfers in Crescent City benefit from gift of equity. No cash down payment needed.
Crescent City first-time buyers often use co-borrowers. Family help for qualification.
Every situation is unique. The right loan program depends on your unique situation. See what works best for you.
Questions? Call (510) 589-4096 or email info@agoodlender.com
Crescent City sits on California's far North Coast, right where the redwoods meet the Pacific. Population is 6,379, median household income $39,812. The homeownership rate here is just 36.5%, one of the lowest in California, and that tells you something important. At $400K median home price, you're looking at a tough affordability gap when the typical household makes under $40K. Most buyers here need creative financing or they're bringing serious cash from somewhere else. This isn't a commuter town - you're buying here because you want this specific lifestyle, not because you work in San Francisco.
If you've got kids, Del Norte High pulls a 7 rating and Mary Peacock Elementary also scores a 7, which is pretty solid for a small coastal community. Joe Hamilton Elementary and Crescent Elk Middle both rate a 6. The district is small, so your kids will know their classmates from kindergarten through graduation. That low homeownership rate means you'll have more renters as neighbors than in most California towns, which can affect neighborhood stability when you're thinking long-term resale. But families who do buy here tend to stay because there's nowhere else quite like it.
Where you buy matters a lot when inventory is tight and prices are high relative to local incomes. Falcon Heights runs $320K-$450K with a mix of single-family homes and manufactured housing, making it the entry point for first-time buyers using FHA loans with lower down payments. Johnson Park sits at $350K-$480K with older homes on larger lots that need work, perfect if you're handy and can get a 203(k) renovation loan. Downtown Crescent City goes $380K-$520K for that walkable harbor lifestyle and historic character, mostly conventional loans for buyers with decent credit. Harbor District is the premium play at $420K-$580K with ocean views and maritime access, attracting cash buyers or those with substantial down payments who want that waterfront location.
Here's the thing about Crescent City: you're not commuting anywhere. San Francisco is 379 minutes away, LA over 700 minutes. This is the end of the road, literally. US-101 runs through town but you're five hours from any major metro area. If your job requires regular travel to the Bay Area or beyond, this won't work unless you're flying out of the tiny regional airport or you really love driving. The isolation is exactly why prices haven't exploded like the rest of coastal California, and it's why lenders look extra carefully at your local employment situation before approving a mortgage here.
Pelican Bay State Prison is the elephant in the room as the largest employer, providing stable government jobs with benefits that help people qualify for mortgages. Del Norte County Unified School District and Del Norte County Government add more public sector stability. Sutter Coast Hospital covers healthcare jobs, and the Coast Guard Station provides federal employment. The job base is heavily weighted toward government and institutional work, which lenders actually like because it's recession-resistant. But that $39,812 median income explains why so many residents rent instead of own. You'll need dual incomes, a government job with solid pay, or you're coming in with equity from selling somewhere else.
Common questions from Crescent City homebuyers and refinance clients. Can't find your answer? Book a 15-minute call with a Senior Loan Officer.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Crescent City closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
You have several low down payment options in Crescent City: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Crescent City buyers purchase with 3.5% or less down.
Our No Money Down program offers $0 down payment for qualified Crescent City buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Crescent City buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Crescent City families purchase with minimal upfront cash.
2026 Del Norte County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Crescent City properties fall within conforming limits, maximizing your financing options.
For Crescent City's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
A denial doesn't mean you can't buy in Crescent City. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
Absolutely—first-time buyers are our specialty in Crescent City. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Del Norte County, and structure your purchase to minimize upfront costs.
You still have options in Crescent City. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Del Norte County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Crescent City typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Pre-approval typically takes 24-72 hours. Full underwriting approval takes 14-21 days. We work with lenders offering express underwriting for strong borrowers who need faster closings.
You have several low down payment options in Crescent City: Conventional (3% down), FHA (3.5% down), VA (0% for veterans), and our 6-Month Forgivable Grant Program covering your entire down payment. Many Crescent City buyers purchase with 3.5% or less down.
A denial doesn't mean you can't buy in Crescent City. We review your denial letter, identify the specific issues (credit, DTI, income documentation), and match you with lenders who have more flexible guidelines. Common solutions include FHA loans for credit flexibility, alternative documentation, or co-borrower structures.
As a mortgage broker, we shop your scenario across 50+ wholesale lenders to find the best pricing. Unlike retail banks that only offer their own rates, we show you side-by-side comparisons with identical terms. No junk fees or hidden charges—just transparent pricing.
You work directly with a Senior Loan Officer (15+ years average experience) from application through closing—not a call center. We have local Del Norte County expertise, same-day underwriting decisions, and flexibility to solve complex situations that algorithm-based lenders decline.
Closing costs in Crescent City typically run 2-4% of the purchase price. On a $500,000 home, expect $10,000-$20,000 covering appraisal, title insurance, escrow fees, and prepaids. FHA allows sellers to contribute up to 6% toward your closing costs.
Standard documents needed: pay stubs (last 30 days), W-2s (past 2 years), tax returns (past 2 years), bank statements (past 2 months), and photo ID. Self-employed borrowers need business tax returns and P&L statements. We'll provide a complete checklist for your situation.
Typical Crescent City closing timeline: 30-45 days from accepted offer. VA/FHA loans may take slightly longer. Cash buyers close in 7-14 days. We work to meet your timeline and coordinate with all parties to close on schedule.
Credit requirements by loan type: FHA accepts 580+ (or 500 with 10% down), conventional starts at 620, VA at 620+. Our zero-down grant program works with 640+. Higher scores (720+) get better rates, but we work with borrowers across the credit spectrum.
2026 Del Norte County limits: FHA $541,287, Conventional $832,750. Any loan above $832,750 is a jumbo loan. Most Crescent City properties fall within conforming limits, maximizing your financing options.
Our No Money Down program offers $0 down payment for qualified Crescent City buyers. We also offer our 6-Month Forgivable Grant (covers 3-3.5% down, forgiven after 6 months), CalHFA programs, and local first-time buyer assistance. Unlike CalHFA's 5-year requirements, our programs have no income limits and no first-time buyer requirement.
Yes! Zero-down options for Crescent City buyers include: VA loans (eligible veterans), USDA loans (eligible rural areas), and our 6-Month Forgivable Grant Program combined with seller concessions for closing costs. Many Crescent City families purchase with minimal upfront cash.
Absolutely—first-time buyers are our specialty in Crescent City. We guide you through the entire process, help you understand FHA vs conventional vs VA options, identify all available down payment assistance in Del Norte County, and structure your purchase to minimize upfront costs.
You still have options in Crescent City. FHA loans accept credit scores as low as 580 (or 500 with 10% down). We also offer credit improvement strategies and can connect you with rapid rescoring services to boost your score before applying. Many buyers improve 20-50 points within 30 days.
For Crescent City's $500,000 median price: FHA is better for credit scores under 680 or down payments under 5%—it's more forgiving on DTI ratios too. Conventional is better with 5%+ down and 700+ credit (lower PMI costs). We compare both options for your specific situation.
The FHA loan limit in Crescent City is $541,000 for 2025. This is more than enough for most homes in the area, since the median home price is around $400,000. FHA loans are extremely popular here because they allow just 3.5% down and accept credit scores as low as 580.
You won't need a jumbo loan in Crescent City for typical home purchases. With conforming and VA loan limits at $833,000 and FHA at $541,000, these conventional programs easily cover the $300K. $450K price range where most homes sell. Jumbo loans only become necessary above these limits, which is rare in Del Norte County.
For 2025, Del Norte County loan limits are $541,000 for FHA loans, and $833,000 for both conforming conventional and VA loans. These limits are set annually and may adjust for 2026 based on home price trends, but current limits comfortably cover Crescent City's median home price of $400,000. Check with your lender in late 2025 for official 2026 limits.
Yes, VA loans are available in Crescent City with a loan limit of $833,000, which covers all typical home purchases in the area. If you're a qualified veteran or active military, VA loans offer incredible benefits including $0 down payment, no PMI, and competitive rates. This is one of the best options for veterans buying in Del Norte County.
Our No Money Down program offers $0 down payment for qualified buyers in Crescent City. CalHFA programs are also game. changers here, providing down payment and closing cost assistance grants that don't need to be repaid. Some areas of Del Norte County may qualify for USDA loans with zero down, and local county programs may offer additional support for first. time buyers.
You can buy a Crescent City home with as little as 3.5% down using an FHA loan, which means around $14,000 on a $400,000 home. VA loans and USDA loans offer $0 down for qualified buyers, and down payment assistance programs like CalHFA can cover most or all of your down payment. With the right program, you don't need much savings to become a homeowner here.
You can qualify for an FHA loan in Crescent City with a credit score as low as 580, which is the most common loan type in this market. Conventional loans typically require 620 or higher, while VA loans are more flexible with credit. If your score is below 580, work on improving it for a few months or explore local down payment assistance programs that may have additional flexibility.
Choose a lender experienced with Crescent City's market who understands FHA loans and down payment assistance programs like CalHFA, since these are critical for most buyers here. Look for someone who can explain all your options clearly, get you pre. approved quickly, and has a track record of closing on time. Local expertise matters in a smaller market like Del Norte County where the right program can make or break your purchase.
Fill out the form below and we'll reach out to discuss your Crescent City mortgage options.
We respond within 24 hours
